Version 5.118 Release Notes - Production Deploy date 2024-04-25

Other Improvements (AdviserGo unless noted otherwise)

Plan Dates
  • Move Plan Start Date|Users can now move the base plan start date backward in time. Select Edit Plan Start Date from the plan actions menu under Plan Dropdown, Manage Plans. Moving the date forward will still require the use of the Update and Promote flow.
  • Fixed an issue on touchscreen devices, like iPad, where users were unable to hide/unhide chart items via the legend.
  • Fixed an uncommon issue where users were unable to save a 0% value if the input was previously blank.
  • Missing heading on tax bracket tab caused spacing issues.
  • Improved Accessibility on the Login Page by adding appropriate alt attributes to images and form inputs, ensuring proper ARIA roles utilized, enhancing keyboard nav and focus management, verifying contrast ratios for text and background colors, etc. General housekeeping.
  • Added accessible headings and styles for What If flows.
  • Stock Grant Liquidation|Enhanced the user experience by changing the liquidation type labels for clarity. From Fixed Amount to Fixed Amount Recurring. From Number Of Shares to Number Of Shares Recurring.
Stock Grant
  • ESO - Sell percentage of the shares to purchase the rest issues resolved.
  • Potential IHT Insight|Redesigned UI Charts and Report to include yearly analysis of before benefits, death benefits, before taxes, Inheritance Tax, Estate Distribution, and Net Estate.
  • Potential Estate Tax Simulation and Report|Extended Timeline to Plan End
  • Potential IHT Insight|Result values includes before benefits, death benefits, before taxes, Inheritance Tax, Estate Distribution, and Net Estate.
  • Feature Key for IHT Insight is potentialTaxInsight- new chart type called Estate Analysis
  • Potential IHT Report|Redesigned UI Charts and Report to include yearly analysis of before benefits, death benefits, before taxes, Inheritance Tax and Net Estate.
  • Unmatured employer-sponsored RRSP now can transfer to unmatured personal RRSP after retirement.
  • Users can now edit expenses added by their advisor via AdviserGo- previously a user was able to edit expenses entered in ClientGo only.
  • Feature Key Descriptions|In the admin console, feature keys now have descriptions in a new column.
Year View
  • Improved the Year View data for RSUs by removing some unnecessary information.
  • Plan Facts Report | Update windfall value such that it does not have the per month indicator since it is not a monthly value.

Version 5.117 Release Notes - Production Deploy date 2024-04-25

Other Improvements (AdviserGo unless noted otherwise)

Inline Help
  • Inline Help can be set on by default by administrative user or Voyant support by enabling the feature key enable-inline-help-default (requires feature key learning-system, can subsequently be turned off persistently by the user if desired.)
  • Property and Multi-year expense timing are now defaulted to the plan end event and not the last mortality event.
Stock Grant
  • Improved the user experience by simplifying the inputs for stock grant. Stock grant now only needs the remaining shares to be modeled.
Calculation Update
  • Starting in 2025 the calculation of YAMPE is an additional 14% of the indexed YMPE.
  • Additional updates and refinements made to AMT calculation including dividend gross up, dividend credit, charitable donation credits, and other NRTCs.
  • The A11y report option now provides a zip with chart data, as well as the A11y report pdf.
Share Ownership
  • Added validation when missing an owner.
Guided What If
  • Buy A Home and Rightsize Guided WhatIf| now default the property timing to plan end. NOTE that changing owner of property will not impact timing.
Year View
  • Corrected a situation where Year View showed No Investment Data Available for nnnn (where nnnn is a valid year in plan with investment data) such that the phrase only appears when there is no investment data for the selected year.

Version 5.116 Release Notes - Production Deploy date 2024-03-28

Other Improvements (AdviserGo unless noted otherwise)

  • Add person icons to the x-axes on the chart.
  • Detailed Cash Flow report - corrected Amount Allocated to Savings.
Tax Calculation
  • Single Year Expenses and Goals may now be designated tax deductible.
Tax Calculation
  • Small Business Deduction Eligibility Toggle|Companies now have an input that if set to true will disqualify that company from any federal or provincial small business deduction tax eligibility regardless of income amounts.
  • Company Ownership Details|Enhanced the user experience by keeping the expanded or collapsed state of the table while moving the year slider.
Stock Options
  • Fixed erroneous liquidation of an underwater stock option.
  • Canada Pension Plan Insight and Quebec Pension Plan Insight|Compare CPP/QPP Pension Plan Benefits by easily adjusting retirement age and life expectancy to maximize benefits.

Version 5.115 Release Notes - Production Deploy date 2024-03-28

Other Improvements (AdviserGo unless noted otherwise)

Animation Updates
  • Updated the engine that supports animated transitions in the app which also provides for increased application security.

Version 5.114 Release Notes - Production Deploy date 2024-02-29

Other Improvements (AdviserGo unless noted otherwise)

Tax Rate Brackets
  • Add an illustration displaying tax rate brackets. Requires effective-brackets feature key be enabled. CA region under Plan Settings/Effective Tax Brackets and visible if two or more tax brackets.
Cash Flow Charts
  • Fixed an issue where Loan Payments and Insurance chart items appeared in the opposite order between AdviserGo and the Report Cash Flow Charts.
Year View
  • Corporate Preferred Shares and Share Classes Ownership details are now broken down individually in Year View.
  • When a user adds a transfer from an account edit screen, the UI now requires the user define if the account is the target or destination account.
Estate Plan
  • Corrected an issue where Canada Estate Processor was incorrectly triggering capital gain on Principal Residence.
  • The NRTCs and tax deductible expenses calculations from CPP2 contributions have been corrected. The entirety of the CPP premium (base amount) up to the YMPE less $3,500 should be used in the NRTC calculation. This calculation also affects the ECPP premium (“additional contributions”) which are used in the calculation of a tax deduction, not a credit.
Charitable Donation
  • An issue causing charitable donation credits calculations values to be too high in some cases was resolved.

Version 5.113 Release Notes - Production Deploy date 2024-02-29

Other Improvements (AdviserGo unless noted otherwise)

  • Added accessibility form controls to the client password input, and an error message if the password is wrong or empty.
  • Fixed a bug where dividends were not included in the dashboard value for Employments on subsequent saves.
Let’s See Charts
  • Fixed a bug where the UI resets the chart type when the user navigates away.
Investment Returns Insight
  • Users can now choose whether to include or exclude cash accounts in the calculation.

Version 5.112 Release Notes - Production Deploy date 2024-01-25

Other Improvements (AdviserGo unless noted otherwise)

  • The UI now seamlessly handles changes to transfer events. When converting a recurring transfer to a single event, the start event automatically becomes the single event. The end event is discreetly retained, ready to reappear if the transfer is switched to recurring.
  • Added validation to prevent creating a transfer without a source account
Monte Carlo
  • Corrected an issue where the spouse age was intermittently plotted on the Monte Carlo chart.
Variable Annuities
  • You can now add beneficiaries to variable annuities to allocate payouts on mortality.
Linking Properties from a Debt
  • Resolved an issue where newly linked properties from a debt did not consistently save.
  • Insight results charts will now display results using real money values.

Version 5.111 Release Notes - Production Deploy date 2024-01-11

Other Improvements (AdviserGo unless noted otherwise)

Plan Compare
  • Corrected an issue when de-selecting non-liquid assets from both charts in Lets See > Compare Plans > Chart View. The value of the non-liquid assets was incorrectly still included in the pop out figures.
  • Added an informational message when a specific trust is credited with unpaid tax liability in a specific plan year, for ex. 2070 - Unfulfilled tax expense in X trust.
  • Year data table roles and markup altered to be more readable to screenreaders.
  • Improve screenreader performance around event indicators in stacked bar charts. Are read as a series with more provided information.
  • Modified the retirement icon to display a Beach Umbrella rather than a Rocking Chair.

Version 5.110 Release Notes - Production Deploy date 2024-01-11

Other Improvements (AdviserGo unless noted otherwise)

Account Transfer
  • Account Transfer UI expanded to full page, formerly was a modal.
Charitable Donation
  • A very basic charitable credit optimization has been introduced to maximize value of eligible charitable donations between members of a legal partnership and to maximize value from unclaimed. charitable donation carryover carryover regardless of marital status.
  • Legacy Expense/Charitable Donation Credit issue with maximizing donation to the first Donor instead of optimizing.
  • Improve focus indication on toggles.
Company Distributions
  • Fixed an issue where companies using share classes do not update distribution value on dashboard properly.
  • Corrected the BC 2024’s income tax rates and updated some thresholds under limits tab.
Salesforce Integration
  • Add Financial Goals and Financial Services Cloud Financial Goals to Import to Voyant.

Version 5.109 Release Notes - Production Deploy date 2023-12-14

Other Improvements (AdviserGo unless noted otherwise)

Accessibility Improvements
  • A number of accessibility improvements have been made including:
    • Users can now navigate the charts with their keyboard.
    • Screen readers will now announce the legends for the charts.
    • Users can now click on the labels in the charts with the keyboard.
    • Upgraded the charting library used in AdviserGo to provide additional options to address accessibility needs.
    • Corrected multiple table headings and structure.
    • To enhance keyboard navigation, all interactive buttons and links now receive clear visual focus indicators when tabbed through. These indicators may include an underline, a change in font weight, a background color change, or a border around the focused item. This enhancement ensures that keyboard users can easily identify and interact with elements throughout the application.
    • Corrected several roles issues.
Pension Transfer Sim
  • The pension transfer simulation now includes Let's See Chart functionality for Canadian users, providing visual insights into the simulation results. Upon completing the simulation, the UI intentionally scrolls to the bottom of the page, ensuring that users can readily access the newly generated charts.
  • The Show Translation Keys toggle has been added to both advisor preferences and plan preferences under the Display section.
    • The toggle's visibility is now controlled by the feature key. When the feature key is on, the toggle is visible; when it's off, the toggle is hidden.
    • Enable the Show Translation Keys toggle to visualize the location of translation keys within the UI. This visual representation enhances contextual understanding when crafting translations in other languages.
Personal Tax Refactor
  • Taxable Income is now separated into three parts:
    • Total Income: The total income before any deductions have been applied, except for the 50% reduction for taxable gains.
    • Net Income: The total income less deductions. Net Income is now used to calculate the OAS clawback.
    • Taxable Income: Net income less Capital gains, LCGE, and stock grant deductions. This section now uses taxable values (50% reduced) for capital gains and related deductions.
  • Federal and Provincial Tax: Federal and provincial tax sections have been separated to include federal and provincial-specific income tax, deductions, and credits, and net income.
  • Tax Summary and Carryover Amounts: This section now only includes the Cumulative Income Taxes field from the previous cumulative taxes section. Contribution/Carryover room values should be EOY.
  • Tax Brackets and Rates: This section is very similar to the tax summary but appears at the end.
  • The Additional Tax column has been removed from the Taxes Detailed report.
2024 Updates
  • AMT calculation updates for 2024:
    • AMT rate increased to 20.5% and in line with the 2nd federal income tax bracket rate.
    • AMT exemption set to lower 4th federal bracket lower threshold and will index with threshold.
    • 100% of capital gains included in adjusted taxable income.
    • Capital gains loss carry forward deduction reduced to 50% and LCGE deduction reduced to 7/5 of amount used in regular tax calculation.
    • Majority of NRTC’s reduced to 50% when calculating AMT.
    • AMT calculation triggered in additional scenarios including high amounts of realized capital gains and/or stock option benefits.
  • Quebec's nonrefundable tax credits have been updated to reflect the province's tax code.
  • Quebec's AMT (Alternative Minimum Tax) calculations have been aligned with the federal AMT rules for 2024, with the following exceptions:
    • Quebec's AMT exemption is set at $175,000 (indexed for inflation).
    • Quebec's AMT rate is set at 19%, up from 14%.|
  • CA Taxes Updates for 2024
  • Resolved an error that caused an unnecessary CESG Catch Up item to be created.
    • We implemented a refreshed set of icons across our entire product suite, designed to embrace a contemporary design with increased contrast, improving comprehension at a glace. Customized icons are not affected.
    • Enhanced the report bar charts with new event icons and a restructured event representation.
Plan Promotion
  • Addressed items related to promoting the following entities from child plans to base plans.
    • Trusts with Beneficiary Information applies to trusts in Canada, the United States, and Australia.
    • Companies with Common and Preferred Share Ownership:
      • Common share ownership and preferred share ownership percentages for companies in child plans will now be promoted correctly to the base plan.
      • This applies to companies in Canada, the United Kingdom, and Australia.
    • Term Life/Whole Life/Protection - Beneficiaries and Maturity Data:
      • Beneficiary percentages for Term Life, Whole Life, and Protection insurance policies in child plans will now be retained when promoted to the base plan.
      • Maturity data for insurance policies in child plans will now be promoted correctly to the base plan.
      • These changes apply to insurance policies in the United States, the United Kingdom, and Australia.|

Version 5.108 Release Notes - Production Deploy date 2023-11-30

Other Improvements (AdviserGo unless noted otherwise)

Charitable Tax Credit
  • Expanding Quebec provincial donation credit limit to 100% of taxable income.
  • Due to a Security determination, Removed two fields from AdviserGo user Profile form- email address and phone number. NOTE that these fields may still be edited by clicking User Badge in upper right corner, then Administration|My User|Edit Profile.

Version 5.107 Release Notes - Production Deploy date 2023-11-30

Other Improvements (AdviserGo unless noted otherwise)

Cash Flow Detailed Report
  • The stack order of an Insurance on the Cash Flow Detailed chart has been adjusted to match with the ordering on the PDF report. Previously, Insurance was displayed as the last element in the chart but was listed as the third item in the report.
Sample Clients
  • Advisers can now add sample clients to their AdviserGo accounts with ease. Simply click the Sample Clients tab on the advisor homepage to see a list of pre-created clients that you can add, and optionally, copy and give a custom name. Requires show-sample-client feature key.
    • Click the Sample Clients tab on the advisor homepage.
    • Browse the list of sample clients and click the one you want to add.
    • If a sample client with the same name already exists, you'll be prompted to either create a new copy or navigate to the existing client.
    • If you are creating a new copy, you will be able to specify the client type and first and last name.
    • Click Save to add the client to your account.
  • Liquidation before transfer is now available when transferring between two non-registered investment accounts.
Investment Returns
  • The Investment Returns Insight now includes cash accounts in its calculations.
Monte Carlo
  • Monte Carlo Insight in AdviserGo now includes Net Worth Goals and goals created in ClientGo.
Voyant Disclaimer
  • Updated the Voyant default disclaimer in client reports to be more informative.
Custom Market Assumptions
  • Improved the accuracy of correlation coefficients file uploads by adding additional validation.

Version 5.106 Release Notes - Production Deploy date 2023-10-26

Other Improvements (AdviserGo unless noted otherwise)

Client Invites
  • Advisors now have the option to deliver the client PIN manually if the client is unable to access the PIN via SMS.
  • Added a dual chart view to insights to allow comparison of insight chart to plan chart, and other improvements in design and labelling consistency across insights.
  • Corrected an issue where the text entered or copied into the Report screen editors would not appear in the generated reports.
Life Needs
  • Ensured that the ownership of an insurance policy is transferred to the primary beneficiary (or spouse, child, other, in that order) if the policyholder dies before the insured person. This fixes a situation where premiums were still being billed to the deceased policyholder, causing a large insurance need.
Pension Commutation
  • Pension Commutation Updates:
    • Improved the accuracy of Spending Goal ownership by ensuring that it is always set to the owner of the DB pension and their spouse or unmarried partner (if the spouse or partner dies after the owner of the DB pension).
    • The analyzer now checks for shortfall until the later of the date of death of the DB pension owner or the date of death of their survivor (if the survivor has a survivorship percent).
    • We now show the future value of the payout result.
NEW Pension Commutations
  • We have added a new feature that allows you to calculate the transfer split for DB pension commutations. This feature is similar to the pension transfer insight, but is now available within the DB pensions screen. This is done by adding a new toggle to the Defined Benefit Pension. If this toggle is on, the system will calculate the transfer to the LIRA. If it is off, the user will be able to specify the amount to transfer to the LIRA manually.

Version 5.105 Release Notes - Production Deploy date 2023-10-26

Other Improvements (AdviserGo unless noted otherwise)

Date Format
  • We have updated the input and display of Dates throughout the app to better reflect regional formatting preferences.
Estate Report
  • Debts paid by Insurance are now shown in Legacy and Estate Analysis Reports.
Ownership Transfer
  • Resolved a calculation timeout issue when attempting to have ownership transfer of preferred shares extend past mortality.
  • Calculations of QPP survivor pension now are implemented.
  • CPP contributions will increase in 2024 and again in 2025 for individuals with earnings above the Year Max Pensionable Earnings.

Version 5.104 Release Notes - Production Deploy date 2023-09-28

Other Improvements (AdviserGo unless noted otherwise)

  • Corporate Insurance CSV corrected to include both beneficiaries.
  • CPP Enhancements - 2024 Updates
Company Distribution
  • Setting a step in a company distribution now displays the amount value if the linked holding company doesn�t use a share class.
  • Corrected a Formatting issue (Asset and Net worth reports) when value exceeds $2Billion.
Plan Promotion
  • Outdated Onetime Payments and Pension Drawdowns are removed from plan.

Version 5.103 Release Notes - Production Deploy date 2023-09-28

Other Improvements (AdviserGo unless noted otherwise)

  • Added withholding taxes for Transfer from RRSP to savings, non-registered investment, TFSA, and RESP.
  • Updated treatment of Capital losses on Personal User Property such that they are not deductible against other capital gains.
Financial Summary Report
  • Fixed an issue where Chart type selection does not persist after collapsing Customize tab.

Version 5.102 Release Notes - Production Deploy date 2023-08-24

Other Improvements (AdviserGo unless noted otherwise)

  • Voyant audited the AdviserGo application from top-to-bottom and added or improved alt text where needed.
  • Annuities are now viewable in the Finances list as read-only.
  • Added Potential Estate Tax Simulation and Reports. On by default, and can be disabled with |potential-estate-tax-insight| key.
  • The Potential Estate Tax Insight now has a report option to reflect the results of the simulation.
Goal Progress
  • For a property co-owned by a Trust and a Person, corrected the Property linked Goal Progress Calculation by totaling expenses previously apportioned between Trust and another person.
  • Pension transfer insight does not work when asset allocation is turned on
  • Taxes on DB pension income now is withheld at source. Using the following website as the withheld tax formula references: [||smart-link]
  • Users can now promote items and accounts added in a what-if plan to the base plan. The option to Promote will be visible from Overview | Plan Differences- whenever in a child plan and comparing to the base plan.
  • Fix to update multi events for Onetime Payments.
User Menu
  • Corrected verbiage under User Menu where Preferences was inadvertently replaced with Expand User Menu.

Version 5.101 Release Notes - Production Deploy date 2023-08-24

Other Improvements (AdviserGo unless noted otherwise)

  • Deduct all the tax credits from basic province tax before calculating surtax, and we will see a tax refund which is equal to the deduction of surtax by the province tax credits. In the past, we only deduct charitable donation credit before calculating surtax.
  • Business tax calculation has been corrected for ON and NB to exclude federal passive income business limit reduction when determining provincial active income rate.
  • Other income owned by a trust and distributed to individual beneficiaries will no longer automatically be saved to default cash accounts.
  • Made the following corrections and clarifications:
    • All trust assets now appear in the plan worth charts.
    • Revocable trusts are included in the asset and net worth charts ONLY if their settlor is the primary or spouse.
    • Irrevocable trusts do not appear in the assets and net worth charts regardless of who the settlor is.
    • Plan worth now has a separate Trust Assets category.
    • The net worth and assets reports now display trust assets correctly.
  • Long Term Care Insurance event timing corrected.
  • Support for Traditional Chinese has been added to reports.
Home Application
  • Added new tab under Profile section that allows the user to change the phone number tied to their account.
  • Enhanced security for changing an email by requiring a confirmation code from the new email address.
  • Updated text descriptions and external links in HOME.

Version 5.100 Release Notes - Production Deploy date 2023-07-27

Other Improvements

Potential Estate Tax Simulation
  • Added a Potential Estate Tax simulation which generates the potential estate tax for every year. If the client has a spouse, we assume the same mortality year to calculate estate tax. This feature is only available on our core environments at this time.
Future Property Purchase and Mortgages
  • Updates to Debt calculations as follows: Present Value Debt Payments are now grown using the Inflation Rate of the linked asset, Debt payments are rounded up to the nearest dollar and last the full term resulting in the final payment being slightly reduced.
Pension Optimization
  • Corrected an issue where an OAS clawback would hinder proper pension split calculation.
  • Defined Benefit Pension supports survivorship pre-start event beginning at owner mortality event.
  • Corrected an issue where the toggle was non-functional.
Account Fees
  • Updated the calculations to ensure that account fees will not cause capital loss. Previously, capital losses were seen in the client estate when the capital appreciation was less than the account fee.
  • When adding a new Pension Plan, the pension type will be defaulted to QPP if the owner Province was set to Quebec.
Report Year Selector
  • Updated the table format in the PDF reports to hide empty columns.
Income vs. Expenditures
  • Income vs. Expenditures includes Legacy gift Expense and Whole Life Insurance expense in the Allocated to Savings section.

Version 5.99 Release Notes - Production Deploy date 2023-07-13

New Feature: Tailor Reports to Your Clients' Needs

Our new year selection feature allows you to tailor your detailed reports to your clients' specific needs. This feature provides you with the flexibility to focus on the years that are most important to your clients, rather than generating data for the entire planning horizon.

For example, you can select the years leading up to retirement or the years when they'll be receiving the most benefits. You can also choose to generate data for every 5th year, the first 5 years, only the retirement years, and so on.

To use the new feature, simply select the years you want to include in your report. You can do this by:

  • Entering a range of years in a text box
  • Manually selecting years by utilizing the Timeline
  • Using preset buttons to quickly select common ranges

The new year selection feature is simple to use and further personalizes your guidance.

Other Improvements

Plan Facts Report
  • Fixed stray bracket appearing in Properties-Liquidation/Sale section
  • Added annotation to indicate an amount is present or future value
Other Incomes and Windfalls
  • Taxation type is moved before the Tax Status on screen.
  • Tax Status is only shown if the taxation type is not capital gains.
Traditional and Simplified Chinese
  • Added support to incorporate Traditional and Simplified Chinese language in Financial Overview, Retirement Summary, Fact Find and Plan Facts and Assumptions reports
  • Maximum age for applying for an enhanced retirement pension increased from 70 to 72.
  • Users now have the option to select whether their Pension Plan income is a CPP or QPP regardless of their current region.
Legacy & Estate
  • Added a new section to illustrate the distribution of assets outside of the estate showing in particular, details of insurance policies.
Retirement Summary Report
  • Updated Retirement Summary report to show the correct Lump Sum amount and year.
Company Shares
  • Company shares transferred from the primary to spouse now appear in the primary estate value.
Variable Annuity
  • Changes to the withdrawal limit for a Variable Annuity are now reflected in the withdrawal limit on the Steps tab (and vice versa).
Custom Market Assumptions
  • Added notification when the subscription preferences asset allocation is out of sync with new default market assumptions.
  • Added better error handling for when a user changes the default Custom Market Assumptions with incompatible investment classes.
HOME Application
  • Accessibility Improvements
  • Added enforcement of required fields.

Release Notes for earlier versions of Voyant